Flood insurance may only be purchased through which of the following?

Flood insurance is primarily available through the National Flood Insurance Program (NFIP), which is a federal program administered by the Federal Emergency Management Agency (FEMA). This program enables residents in participating communities to purchase flood insurance. While licensed local agents can sell this insurance, they do so as representatives of the NFIP and are not the sole source for purchasing flood insurance. Instead, it is important to understand that all flood insurance policies must be offered through the NFIP, which is effectively managed by government agencies. Therefore, the correct context of this question revolves around the functions and authority of these agencies rather than just local agents on their own.

Private insurers may offer additional flood insurance products or policy alternatives, but the NFIP is the primary avenue for obtaining standard flood insurance coverage. Non-profit organizations play a different role in the landscape of insurance and typically do not provide direct flood insurance products. Hence, government agencies are essential when it comes to the establishment and availability of flood insurance through the NFIP.